It appears that Florida Blue 2025 Advantage plans are Out of Network at Moffitt !!

[gmdds]

If you saw the ad in The Daily Sun, on 10/16, by Florida Blue, comparing Advantage plans, be very careful, as it is comparing their 2024 plan. I have found out that Florida Blue has chosen not to renew their contract with Moffitt for 2025. Apparently Moffitt wanted to renew, but Florida Blue didn’t.

It seems pretty deceptive, as the ad came out one day into the enrollment period, but in smaller print states that it is comparing 2024 plans.

[tophcfa]

Good information. That a big reason we decided on a Supplemental plan. Every year when Advantage plans renew everything must be checked very closely for unwanted surprises. Supplemental plans are highly regulated and don’t subject the policy holder to an annual stress test. We get enough of that already when our homeowners and auto policies renew every year (or six months with many auto policies).

[OrangeBlossomBaby]

Good information. That a big reason we decided on a Supplemental plan. Every year when Advantage plans renew everything must be checked very closely for unwanted surprises. Supplemental plans are highly regulated and don’t subject the policy holder to an annual stress test. We get enough of that already when our homeowners and auto policies renew every year (or six months with many auto policies).

I wish I could afford supplemental plans. Paying extra on top of the Part A that gets deducted from my social security check won't be an option.

[Thaxxx]

Good information. That a big reason we decided on a Supplemental plan. Every year when Advantage plans renew everything must be checked very closely for unwanted surprises. Supplemental plans are highly regulated and don’t subject the policy holder to an annual stress test. We get enough of that already when our homeowners and auto policies renew every year (or six months with many auto policies). Great advice!
ALL Advantage plans in general are a crap shoot. The main reason I wouldn't choose one is because I don't want the insurance companie in charge of my medical care. And that's exactly what they are. They dictate where you go and what services are covered. With a supplemental plan, you can go anywhere that Medicare is accepted and you're covered. And you do not need pre approval. It's not cheap, but it gives you peace of mind knowing you can go where you think the best medical care for is, and you're covered.

[Thaxxx]

Part A is Free. You earned it.
It's Part B that is optional. Part B about $175 this year. Whether you get an Advantage Plan or Medicare Supplement you have to have Part B. No one will insure you if you don't have Part B.

[Blueblaze]

Great advice!
ALL Advantage plans in general are a crap shoot. The main reason I wouldn't choose one is because I don't want the insurance companie in charge of my medical care. And that's exactly what they are. They dictate where you go and what services are covered. With a supplemental plan, you can go anywhere that Medicare is accepted and you're covered. And you do not need pre approval. It's not cheap, but it gives you peace of mind knowing you can go where you think the best medical care for is, and you're covered.

$400/month (for two) seems a lot, just to be able to go out of network -- compared to FREE. We do a PPO Advantage plan instead. Yes, the in-network choices locally are lousy, but I haven't seen much evidence of better local options for primary care or the usual specialists. If either of us develops a disease where it matters that we hire the best in the world, our PPO gives us the option, along with an out-of-network out-of-pocket maximum, even if the doctor DOESN'T accept medicare. I figure the thousands we'll save will go towards that maximum.

But I have no idea if we've made the right choice. It seems logical, as I read the documents, but I'm no lawyer. If I have to got to Moffit or MD Anderson some day, it wouldn't shock me if they cut me off the moment I hit that maximum, and United points to some fine print legaleze that gets them off the hook.

Everybody's a crook these days, and Heathcare is the worst. It's all a crap shoot. You pay your money and you take your chances.

[Aces4]

$400/month (for two) seems a lot, just to be able to go out of network -- compared to FREE. We do a PPO Advantage plan instead. Yes, the in-network choices locally are lousy, but I haven't seen much evidence of better local options for primary care or the usual specialists. If either of us develops a disease where it matters that we hire the best in the world, our PPO gives us the option, along with an out-of-network out-of-pocket maximum, even if the doctor DOESN'T accept medicare. I figure the thousands we'll save will go towards that maximum.

But I have no idea if we've made the right choice. It seems logical, as I read the documents, but I'm no lawyer. If I have to got to Moffit or MD Anderson some day, it wouldn't shock me if they cut me off the moment I hit that maximum, and United points to some fine print legaleze that gets them off the hook.

Everybody's a crook these days, and Heathcare is the worst. It's all a crap shoot. You pay your money and you take your chances.

We personally don't "crapshook" anything and are very aware with aging, health becomes more tenuous and not better. $400. a month is $4,800. a year and do you realize one tiny little medical issue can chew that savings up and spit it out very quickly? Penny wise, pound foolish but people need to choose what makes them happy.

[tophcfa]

$400/month (for two) seems a lot, just to be able to go out of network.

Not after we have been paying well over $1,000 per month the last several years through Obamacare for a far inferior plan with a high deductible and max out of pocket and a very limited network. $400 per month for an extensive network, about a $250 per person deductible with 100% of everything covered after that, and no referrals required for specialists, seems like an incredible bargain.

[Michael 61]

These are the kind of stories that have me skeptical to sign on for Medicare advantage in a few years when I turn 65 - if one has traditional Medicare, then it seems less likely that a provider would drop your insurance.

[manaboutown]

A few years ago I got hit by IRMAA and cannot escape its grasp. Yes it angers me. It feels like I am being charged $50 for a $20 meal at a restaurant based on my income. IRMAA is a TAX on income, no doubt about it. Anyway, I looked into going with an advantage plan to save money but IRMAA hits them as well. There is no avoiding it.

I go with Medicare and the top AARP (United Healthcare) supplement which has grown in cost over time. What is nice about it is I can choose MDs at will, as long as they accept Medicare, and rarely am out of pocket at all.

[RICH1]

My Supplemental " F" plan works for me. I can sleep at night knowing I'm covered.. It's called Health Insurance and it's part of life..

[frostola]

I’m in the beginning of my treatment plan at Moffitt that will take me into 2025 and I have Florida Blue. What will happen to me?

[rsmurano]

Why anybody would go with an advantage plan is beyond me. They suck you in saying everything is free and covered until you need the service then it’s not. Hospitals now aren’t accepting advantage plans around the country, advantage plan insurance companies refuse almost 70% of the medical procedures that you dr wants you to have, whereas, Medicare has no requirement of getting a procedure approved or not, but it’s the big way that insurance companies save money. Advantage plan problems have been raised to congress to get them fixed. Supplements are the only way to go even if it costs a couple hundred a month extra.

[Laurawilcox]

If anyone is working with Village’s Health, please check which Advantage plan they will take next year, 2025. I understand they are paring down to one which was shocking when I heard it. I am not on Medicare yet and will not be on Advantage so didn’t recall where I heard it but advisable to check before you lock down next year’s plan.

[Professor]

Would not go for an Advantage plan under any circumstances. I want to be in charge of my medical care and go where I feel the best care will be for the illness involved. Trying to scrimp on the cost of medical insurance just sounds like a bad idea right from the start...

[biker1]

You may wish to take a look at Plan G. The only difference between Plan F and Plan G is that Plan F includes the $240 per year Part B deductible. However, the differences in the premiums can be greater than $240. Some insurance companies allow you to switch between the different lettered plans without underwriting. Plan N can be even lower total cost if you don’t have many visits.

My Supplemental " F" plan works for me. I can sleep at night knowing I'm covered.. It's called Health Insurance and it's part of life..

[MX rider]

oops

[Boomer]

. . .

[MX rider]

We're on AARP UHC Advantage HMO/PPO in Indiana and really like it. We do not need referals and they have a very large nationwide network. And no, they don't deny 70% of what doctors order. That's fake news.

Since we just moved here we signed up for the The Villages UHC Advantage plan for 2025 after much research.
As with many things in life, some plans are better than others. Moffitt is not in our network, but Shands and Advent Health in Orlando are, and they're very highly rated.

We also love the wellness benefits, vision and dental, we use them all.

There's no one size fits all as many of "medicare experts" here try to claim. Choice is good.
We chose MA because we thought it was the best fit for us, plain and simple. And I would guess that many of the over 50% of new enrollees that choose MA plans did the same and didn't just do it for cost.

And please stop with the "I don't want an insurance company in charge of my healthcare" crap. Almost all of us that had employer provided health insurance had it thru a for profit company. This is not new! I was with Sysco for many years and I was happy with my insurance overall.

I would never tell someone which to go with. That's a very specific, personal decision. I'm just here giving our experience with MA and the how and why we chose it, and trying to debunk some of the false statements.

Btw, SHINE said this was a very good option for us.

All that said, do the research. The information is out there and easy to find. Also talk to people on the plan if you can. We did

[JRcorvette]

If you saw the ad in The Daily Sun, on 10/16, by Florida Blue, comparing Advantage plans, be very careful, as it is comparing their 2024 plan. I have found out that Florida Blue has chosen not to renew their contract with Moffitt for 2025. Apparently Moffitt wanted to renew, but Florida Blue didn’t.

It seems pretty deceptive, as the ad came out one day into the enrollment period, but in smaller print states that it is comparing 2024 plans.

That is the main problem with all Advantage Plans where you have to stay In Network. If you really get sick you might be out of luck. Medicare plus a good supplement is much better but yes more expensive. What’s your health worth?

[Gunny2403]

You need to recheck. Moffitt is NOT included

[Andyb]

In a nutshell, Advantage plans are more about the government controlling your healthcare than yourself. Why do you think it is being pushed so hard.

[MX rider]

You need to recheck. Moffitt is NOT included

Its in our network with UHC. I did check that.

[G.R.I.T.S.]

PPO Advantage plans don’t require referrals.

[Michael 61]

What has me skittish about Advantage plans, are those who say “you’ll love it until you don’t”. Younger, healthier people absolutely love their advantage plans and all the “freebies” that come with it. I’m trying to make and educated decision, not just looking at the present, but 20 years from now when I’m in my 80s with the possibility of deteriorating health, illnesses, disease, etc. Would I want advantage or traditional Medicare at that point? Would I have to be concerned year-to-year that any of my medical providers could opt out of the insurance plan I’m currently on?

I’ve been under “managed care” most of my working life, and still am, since I’m not Medicare age yet. Having to get referrals for specialists has been difficult and trying at times (I don’t like it). Also, I have had diagnostic treatments and tests recommended by my doctor denied by my insurance carrier. I’m going to SHINE in 2025 to continue to do my homework on this important decision, so I am ready before turning 65. It’s important to not just look at the current condition of one’s health, but look 20-30 years into the future.

[Buckeyephan]

MEDICARE IS NOT FREE! Because I am on a pension and not Social Security, the premium is not taken out of my monthly check. I get a bill for $524.10 from the government each quarter. Even though we had Medicare deductions taken out of our checks virtually our entire working career, we still have to pay. Since SS checks are direct deposit, people are unaware that they are making a monthly payment.

[MX rider]

What has me skittish about Advantage plans, are those who say “you’ll love it until you don’t”. Younger, healthier people absolutely love their advantage plans and all the “freebies” that come with it. I’m trying to make and educated decision, not just looking at the present, but 20 years from now when I’m in my 80s with the possibility of deteriorating health, illnesses, disease, etc. Would I want advantage or traditional Medicare at that point? Would I have to be concerned year-to-year that any of my medical providers could opt out of the insurance plan I’m currently on?

I’ve been under “managed care” most of my working life, and still am, since I’m not Medicare age yet. Having to get referrals for specialists has been difficult and trying at times (I don’t like it). Also, I have had diagnostic treatments and tests recommended by my doctor denied by my insurance carrier. I’m going to SHINE in 2025 to continue to do my homework on this important decision, so I am ready before turning 65. It’s important to not just look at the current condition of one’s health, but look 20-30 years into the future.

This subject came up a while back on Facebook. Many on there were on MA plans with very serious medical issues and had good things to say about how it worked for them. As I said, there's really no right or wrong.
Do your homework and make an educated choice on whats best for you. Choice is a good thing.
Too many people on here actually know very little about these plans, but love to tell you what to do! And they love to say "all MA plans are bad", which is simply false.

Btw, our UHC plan doesn't require approvals and it has a yearly max out of pocket of $2700. Be sure to check out The Villages Health UHC plan when you're researching.

Good luck with your decision

[tophcfa]

What has me skittish about Advantage plans, are those who say “you’ll love it until you don’t”. Younger, healthier people absolutely love their advantage plans and all the “freebies” that come with it. I’m trying to make and educated decision, not just looking at the present, but 20 years from now when I’m in my 80s with the possibility of deteriorating health, illnesses, disease, etc. Would I want advantage or traditional Medicare at that point? Would I have to be concerned year-to-year that any of my medical providers could opt out of the insurance plan I’m currently on?

I’ve been under “managed care” most of my working life, and still am, since I’m not Medicare age yet. Having to get referrals for specialists has been difficult and trying at times (I don’t like it). Also, I have had diagnostic treatments and tests recommended by my doctor denied by my insurance carrier. I’m going to SHINE in 2025 to continue to do my homework on this important decision, so I am ready before turning 65. It’s important to not just look at the current condition of one’s health, but look 20-30 years into the future.

Maximize your Medicare is a good, informative, and easy read available on Amazon for about $10. I would recommend it to anyone who just turned 64 and wants to make an informed decision as Medicare age approaches. I purchased a copy last year and it has circulated among several friends.

[biker1]

I’m not sure what your point is. Almost everyone “even though we had Medicare deductions taken out of our checks virtually our entire working career, we still have to pay” pays the Part B premium. You can, of course, opt out of Part B. I’m pretty sure the vast majority of people know they implicitly paying a Part B premium.


MEDICARE IS NOT FREE! Because I am on a pension and not Social Security, the premium is not taken out of my monthly check. I get a bill for $524.10 from the government each quarter. Even though we had Medicare deductions taken out of our checks virtually our entire working career, we still have to pay. Since SS checks are direct deposit, people are unaware that they are making a monthly payment.

[biker1]

So here is the deal. If you have a MA plan and you have any work done then you may hit the plan deductible of around $2500. If you have a supplemental plan, your deductible is $240, or $0 with Plan F, and you pay premiums of around $2000. So, if you have any work done, it is basically a wash. If you don’t then you come out a bit ahead.

This subject came up a while back on Facebook. Many on there were on MA plans with very serious medical issues and had good things to say about how it worked for them. As I said, there's really no right or wrong.
Do your homework and make an educated choice on whats best for you. Choice is a good thing.
Too many people on here actually know very little about these plans, but love to tell you what to do! And they love to say "all MA plans are bad", which is simply false.

Btw, our UHC plan doesn't require approvals and it has a yearly max out of pocket of $2700. Be sure to check out The Villages Health UHC plan when you're researching.

Good luck with your decision

[kendi]

I wish I could afford supplemental plans. Paying extra on top of the Part A that gets deducted from my social security check won't be an option.

That’s a shame. I’m assuming you checked to see if you qualify for one of the extra help options offered by the government

[will1546]

Talk FLBu and Moffitt

[kendi]

That is the main problem with all Advantage Plans where you have to stay In Network. If you really get sick you might be out of luck. Medicare plus a good supplement is much better but yes more expensive. What’s your health worth?

So true. I know someone who was “out of luck” and she paid the price with her life.

[MX rider]

Talk FLBu and Moffitt

We are talking Florida Blue. It's open enrollment time. If Moffitt is a deal breaker for them, there's other options besides that plan. Some are very good options.

[kendi]

PPO Advantage plans don’t require referrals.

But they require approvals. So you are still at the mercy of the insurance company. Went through that with my mother.

It’s just a way to full you to make the plan seem more desirable.

[kendi]

What has me skittish about Advantage plans, are those who say “you’ll love it until you don’t”. Younger, healthier people absolutely love their advantage plans and all the “freebies” that come with it. I’m trying to make and educated decision, not just looking at the present, but 20 years from now when I’m in my 80s with the possibility of deteriorating health, illnesses, disease, etc. Would I want advantage or traditional Medicare at that point? Would I have to be concerned year-to-year that any of my medical providers could opt out of the insurance plan I’m currently on?

I’ve been under “managed care” most of my working life, and still am, since I’m not Medicare age yet. Having to get referrals for specialists has been difficult and trying at times (I don’t like it). Also, I have had diagnostic treatments and tests recommended by my doctor denied by my insurance carrier. I’m going to SHINE in 2025 to continue to do my homework on this important decision, so I am ready before turning 65. It’s important to not just look at the current condition of one’s health, but look 20-30 years into the future.

That’s very wise. Especially since once you are locked into a plan it can be difficult to change. Especially if you develop a serious condition.

Don’t forget to check premium increases. Some increase with age, others don’t.

[MX rider]

But they require approvals. So you are still at the mercy of the insurance company. Went through that with my mother.

It’s just a way to full you to make the plan seem more desirable.

That has not been our experience. Painting with a broad brush is not a good idea. Some plans are much better than others. And some plans continue to get better.

[gmdds]

We're on AARP UHC Advantage HMO/PPO in Indiana and really like it. We do not need referals and they have a very large nationwide network. And no, they don't deny 70% of what doctors order. That's fake news.

Since we just moved here we signed up for the The Villages UHC Advantage plan for 2025 after much research.
As with many things in life, some plans are better than others. Moffitt and Advent Health in Orlando are both in our network and very highly rated.

We also love the wellness benefits, vision and dental, we use them all.

There's no one size fits all as many of "medicare experts" here try to claim. Choice is good.
We chose MA because we thought it was the best fit for us, plain and simple. And I would guess that many of the over 50% of new enrollees that choose MA plans did the same and didn't just do it for cost.

And please stop with the "I don't want an insurance company in charge of my healthcare" crap. Almost all of us that had employer provided health insurance had it thru a for profit company. This is not new! I was with Sysco for many years and I was happy with my insurance overall.

I would never tell someone which to go with. That's a very specific, personal decision. I'm just here giving our experience with MA and the how and why we chose it, and trying to debunk some of the false statements.

Btw, SHINE said this was a very good option for us.

All that said, do the research. The information is out there and easy to find. Also talk to people on the plan if you can. We did

You are incorrect….UHC Advantage plans are not accepted at Moffitt for 2024, and they aren’t for 2025 either. The reason for posting this in the first place was to let everyone know that Florida Blue Advantage plans were accepted at Moffitt in 2024, but won’t be in 2025.

Accepted, meaning In Network.

[Karmanng]

If you saw the ad in The Daily Sun, on 10/16, by Florida Blue, comparing Advantage plans, be very careful, as it is comparing their 2024 plan. I have found out that Florida Blue has chosen not to renew their contract with Moffitt for 2025. Apparently Moffitt wanted to renew, but Florida Blue didn’t.

It seems pretty deceptive, as the ad came out one day into the enrollment period, but in smaller print states that it is comparing 2024 plans.

YES LOTS of advantage plans will not be with lots of hospitals and Doctors moving forward thats why its best to stay with the original plan and a supp Its been blasted all over utube on medicare explanations...............MY agent never even recommended a advantage plan to me at all..........No way Advantage get the name? yup they take advantage of the situation...........every year they have changes and it happened to my folks thats why i vowed never to go that route.....

[Karmanng]

I wish I could afford supplemental plans. Paying extra on top of the Part A that gets deducted from my social security check won't be an option.

YOU pay something just for having that advatnage plan later down the road there are hidden fees late in life with it...........You can pick a supp plan that is for your budget I did that..........Plan N you dont need plan G and pay more monthly lots of other options you should look into

[Karmanng]

That has not been our experience. Painting with a broad brush is not a good idea. Some plans are much better than others. And some plans continue to get better.

YUP you are correct they control your health NOT you like with regulare medicare and a supp

[Karmanng]

That’s very wise. Especially since once you are locked into a plan it can be difficult to change. Especially if you develop a serious condition.

Don’t forget to check premium increases. Some increase with age, others don’t.

Well looks like you need a regualr medicare plan and a supp.........I did lots of investigating and from what you mentioned that would be the way t go with yourself no need to go to SHINE just go in utube many on there very knowledgeable to learn from I only had a agent to help pick the right supp I chose AARP just turned 65 this year.....havent had a chance to see how it all works out yet.......

[MX rider]

You are incorrect….UHC Advantage plans are not accepted at Moffitt for 2024, and they aren’t for 2025 either. The reason for posting this in the first place was to let everyone know that Florida Blue Advantage plans were accepted at Moffitt in 2024, but won’t be in 2025.

Accepted, meaning In Network.

Oops my bad! You're correct. I went back and edited my post.
I got them mixed up with Shands in Gainesville. They're in our network along with Advent Health in Orlando. Both are very highly rated so we feel confortable with our choice.

[MX rider]

YUP you are correct they control your health NOT you like with regulare medicare and a supp

I'm glad you enlightening me about the plan I'm actually on and have used, as has my wife.
I guess you're more knowledgable about our plan than we are. Just another keyboard "medicare expert'.

Please stop telling us why we shouldn't like our plan and inferring we went into this blindly. We made a very educated choice that was right for us, and we're happy with it.

Unlike many here, I'm not telling anyone what they "should do", except to do the research and have an open mind. And letting people know there are options, and what works for us.

[Aces4]

Oops my bad! You're correct.
I got them mixed up with Shands in Gainesville. They're in our network along with Advent Health in Orlando. Both are very higly rated so we feel confortable with our choice.

Medical centers are moving away from Medicare Advantage primarily due to issues with low reimbursement rates, excessive administrative burdens like prior authorization denials, delayed payments from insurers, and strict clinical guidelines that limit their ability to provide optimal care, making it financially challenging to participate in these plans.

From Becker's hospital review:

Among the most commonly cited reasons are excessive prior authorization denial rates and slow payments from insurers.

In 2023, Becker's began reporting on hospitals and health systems nationwide that dropped some or all of their Medicare Advantage contracts.

"Medicare Advantage provides health coverage to more than half of the nation's older adults, but some hospitals and health systems are opting to end their contracts with MA plans over administrative challenges.

Among the most commonly cited reasons are excessive prior authorization denial rates and slow payments from insurers."


Remember, it's easy to move to Medicare Advantage but it's getting regular Medicare coverage which is difficult when you want to change to better coverage. People can be very blind when a few goodies are dangled in front of their eyes. They can't see the ogre in the background.

The government is working constantly to cut Medicare costs and services for the elderly. Even under regular Medicare coverage they have instituted "value based programs" to insureds claiming "Our value-based programs are important because they’re helping us move toward paying providers based on the quality, rather than the quantity of care they give patients". Which translates to fewer services to save money, IMHO.

Seniors pay close attention, this pertains to all of us.

[gmdds]

Oops my bad! You're correct. I went back and edited my post.
I got them mixed up with Shands in Gainesville. They're in our network along with Advent Health in Orlando. Both are very highly rated so we feel confortable with our choice.

No problem…and you weren’t totally incorrect…if you have a UHC PPO Advantage plan, you could go to Moffitt…the difference being that you would be out of network vs. in network, and thus have a much higher out of pocket.

[kendi]

Well looks like you need a regualr medicare plan and a supp.........I did lots of investigating and from what you mentioned that would be the way t go with yourself no need to go to SHINE just go in utube many on there very knowledgeable to learn from I only had a agent to help pick the right supp I chose AARP just turned 65 this year.....havent had a chance to see how it all works out yet.......

I think your reply was referring to someone else’s comment.

[kendi]

That has not been our experience. Painting with a broad brush is not a good idea. Some plans are much better than others. And some plans continue to get better.

Yup, lots of options. Takes a lot a time and research.

[MX rider]

Medical centers are moving away from Medicare Advantage primarily due to issues with low reimbursement rates, excessive administrative burdens like prior authorization denials, delayed payments from insurers, and strict clinical guidelines that limit their ability to provide optimal care, making it financially challenging to participate in these plans.

From Becker's hospital review:

Among the most commonly cited reasons are excessive prior authorization denial rates and slow payments from insurers.

In 2023, Becker's began reporting on hospitals and health systems nationwide that dropped some or all of their Medicare Advantage contracts.

"Medicare Advantage provides health coverage to more than half of the nation's older adults, but some hospitals and health systems are opting to end their contracts with MA plans over administrative challenges.

Among the most commonly cited reasons are excessive prior authorization denial rates and slow payments from insurers."


Remember, it's easy to move to Medicare Advantage but it's getting regular Medicare coverage which is difficult when you want to change to better coverage. People can be very blind when a few goodies are dangled in front of their eyes. They can't see the ogre in the background.

The government is working constantly to cut Medicare costs and services for the elderly. Even under regular Medicare coverage they have instituted "value based programs" to insureds claiming "Our value-based programs are important because they’re helping us move toward paying providers based on the quality, rather than the quantity of care they give patients". Which translates to fewer services to save money, IMHO.

Seniors pay close attention, this pertains to all of us.

Again, you're painting with a broad brush. All MA plans are not the same, and many people I know personally did it the exact same way as us. They did lots of research and made an educated decision. MA plans aren't going away. And the good ones will be around for a long time. Imo.

[Aces4]

Again, you're painting with a broad brush. All MA plans are not the same, and many people I know personally did it the exact same way as us. They did lots of research and made an educated decision. MA plans aren't going away. And the good ones will be around for a long time. Imo.

A broad brush... facts are a broad brush? Unfortunately, your opinion won't keep your plan outline and coverages intact. I say ride that pony til it drops, one can always walk uphill from there, lol.

[MX rider]

A broad brush... facts are a broad brush? Unfortunately, your opinion won't keep your plan outline and coverages intact. I say ride that pony til it drops, one can always walk uphill from there, lol.

Can't worry about something that may never happen. As of now, there are plenty of quality doctors, hospitals, specialists and medical groups that take UHC.

In reality, you actually have no more idea about what plans will be around in 2,5, or 10 years from now than anyone else. We live in a ever changing world, so the best we can do is hang on and enjoy the ride.
We're happy with our choice and it's working well for us, as well as many others. As I said earlier. SHINE also told us it was a very good option.

MA plans will change no doubt, hopefully for the better. They have to or people won't use them. But medicare will change even more as we go along.

We also use the wellness benefits, vision and dental. We get $2500 per person of dental. And we also get free gym membership to a super nice modern gym, which would cost us $1000 a year. My wife takes 2 classes there everyday. Boot camp, yoga, stretching, cardio and strength training. We take our fitness seriously. These added benefits are valuable to us

Assuming everyone who chooses an MA plan is getting duped and didn't make an educated decison is just flat wrong!

But we can agree to disagree on this.

[Aces4]

Can't worry about something that may never happen. As of now, there are plenty of quality doctors, hospitals, specialists and medical groups that take UHC.

In reality, you actually have no more idea about what plans will be around in 2,5, or 10 years from now than anyone else. We live in a ever changing world, so the best we can do is hang on and enjoy the ride.
We're happy with our choice and it's working well for us, as well as many others. As I said earlier. SHINE also told us it was a very good option.

MA plans will change no doubt, hopefully for the better. They have to or people won't use them. But medicare will change even more as we go along.

We also use the wellness benefits, vision and dental. We get $2500 per person of dental. And we also get free gym membership to a super nice modern gym, which would cost us $1000 a year. My wife takes 2 classes there everyday. Boot camp, yoga, stretching, cardio and strength training. We take our fitness seriously. These added benefits are valuable to us

Assuming everyone who chooses an MA plan is getting duped and didn't make an educated decison is just flat wrong!

But we can agree to disagree on this.

Giddyup!:0000000000luvmyhors

[Arlington2]

Traditional Medicare and medigap programs have zero coverage outside the U.S. UHC advantage provides worldwide coverage.

[Aces4]

Traditional Medicare and medigap programs have zero coverage outside the U.S. UHC advantage provides worldwide coverage.


Yes, you can add coverage for treatment outside the United States with a Medicare Supplement Insurance (Medigap) policy:
Coverage
Most Medigap policies cover some emergency care abroad, usually with a $250 annual deductible, a 20% copay, and a lifetime limit of $50,000. Coverage is typically limited to the first 60 days of your trip.


Medicare Advantage plans may offer some coverage for foreign travel, but it's usually limited:
Emergency care
Medicare Advantage plans cover emergency care anywhere in the U.S. They may also cover emergency care outside the U.S. in certain situations, such as:
If you're traveling between Alaska and another U.S. state and the closest hospital that can treat you is in Canada
If you're on a cruise ship in U.S. territorial waters
If you're in the U.S. when a medical emergency occurs and the foreign hospital is closer than the nearest U.S. hospital
Non-emergency care
Medicare Advantage plans may cover non-emergency inpatient services in a foreign hospital if it's closer to your residence than the nearest U.S. hospital.
Routine care
Medicare Advantage plans may not cover routine health care beyond your plans service area.

Just the facts...

[TVTVTV]

Can't worry about something that may never happen. As of now, there are plenty of quality doctors, hospitals, specialists and medical groups that take UHC.

In reality, you actually have no more idea about what plans will be around in 2,5, or 10 years from now than anyone else. We live in a ever changing world, so the best we can do is hang on and enjoy the ride.
We're happy with our choice and it's working well for us, as well as many others. As I said earlier. SHINE also told us it was a very good option.

MA plans will change no doubt, hopefully for the better. They have to or people won't use them. But medicare will change even more as we go along.

We also use the wellness benefits, vision and dental. We get $2500 per person of dental. And we also get free gym membership to a super nice modern gym, which would cost us $1000 a year. My wife takes 2 classes there everyday. Boot camp, yoga, stretching, cardio and strength training. We take our fitness seriously. These added benefits are valuable to us

Assuming everyone who chooses an MA plan is getting duped and didn't make an educated decison is just flat wrong!

But we can agree to disagree on this.

How does dental work with UHC? I know you get $2500 annually for in network dental care. Can you tell me some of the main dental companies in your network plan? Like Aspen? Or the others I've heard around here famous for up-selling? The dental care MA plans includes concerns me.

[Rainger99]

Since SS checks are direct deposit, people are unaware that they are making a monthly payment.

Is there anyone who is unaware that you are paying for part B?

[jojo]

In my experience with my mother and now neighbors who are aging, those with Advantage plans may be OK with doctors but it's almost impossible to get into quality skilled nursing if you need that. My mother had Humana PPO and we had no issues until she began to be hospitalized more her last couple years and would need skilled nursing. Humana would approve only 2 places and they were the worst. It was an absolute nightmare. This is the case with my neighbors also. I know of 3 cases in which they were given very limited choices for skilled nursing with an Advantage plan. When we needed skilled nursing for my husband and they knew we had a supplement plant, all options were given immediately.

[DPWM21]

While in Portugal this year, emergency room visit and tests free.

Four prescriptions including two anti-biotics were $30.00 US.

Why?

[westernrider75]

If you saw the ad in The Daily Sun, on 10/16, by Florida Blue, comparing Advantage plans, be very careful, as it is comparing their 2024 plan. I have found out that Florida Blue has chosen not to renew their contract with Moffitt for 2025. Apparently Moffitt wanted to renew, but Florida Blue didn’t.

It seems pretty deceptive, as the ad came out one day into the enrollment period, but in smaller print states that it is comparing 2024 plans.

We just went to a Florida Blue presentation a week ago and that question was asked about Moffitt. The answer was yes, Moffitt is considered in network for 2025.

[JoannMH]

For several years I worked as an RN health coach for a large health insurance company that provided advantage plans. It is a a company that is in TV. Instead of helping members with health issues… most of our time was spent helping members search for doctors, explaining co-pays, listening to their frustrations about their coverage. Most of my RN co-workers all agreed we would never have an advantage plan when we were on Medicare. I have Medicare supplement and so glad I made that decision.

[MX rider]

How does dental work with UHC? I know you get $2500 annually for in network dental care. Can you tell me some of the main dental companies in your network plan? Like Aspen? Or the others I've heard around here famous for up-selling? The dental care MA plans includes concerns me.

You can use towards any dental work. Our dentist in Indiana took UHC. We haven't needed a dentist here yet but will be looking for one just in case. We don't go to corporate dentists.

[psoccermom]

Moffitt isn't in any Advantage plan for next year.

[Arlington2]

Moffitt isn't in any Advantage plan for next year.

The link to Moffitt says otherwise. Selected Medicare Advantage are accepted.

Insurance Coverage at Moffitt | Moffitt (https://www.moffitt.org/patient-family/insurance-financial-information/insurance-coverage/)

[MX rider]

Moffitt isn't in any Advantage plan for next year.

Our UHC plan isn't, but the Florida Blue website says Moffit is in their network?

[psoccermom]

The link you provided is obviously for 2024 since it says it takes Florida Blue Medicare Advantage. It does not take Florida Blue in 2025. You need to call them for a list for 2025.

[psoccermom]

It is for 2024 but not for 2025. I'm in the process of finding one that does.

[Arlington2]

The link you provided is obviously for 2024 since it says it takes Florida Blue Medicare Advantage. It does not take Florida Blue in 2025. You need to call them for a list for 2025.

The link says Fl Blue is out of network for 2025. The following is in the link

"Please Note: Effective Jan. 1, 2025, Moffitt is Out of Network with all Blue Cross and Blue Shield Medicare Advantage Plans. "

[gmdds]

We just went to a Florida Blue presentation a week ago and that question was asked about Moffitt. The answer was yes, Moffitt is considered in network for 2025.

As said, that info is incorrect.

Here are the Advantage plans that are considered in-network at Moffitt for 2025:

-Aetna Medicare HMO/PPO plans
-Humana Medicare HMO/PPO plans
-Florida Complete Care HMO/PPO plans
-Healthfirst Medicare HMO/PPO Plans

I suppose Florida Blue could change their mind, and renew their contract With Moffitt for 2025, but hasn’t as yet.

[gmdds]

Moffitt isn't in any Advantage plan for next year.

Wrong

[Blueblaze]

Not after we have been paying well over $1,000 per month the last several years through Obamacare for a far inferior plan with a high deductible and max out of pocket and a very limited network. $400 per month for an extensive network, about a $250 per person deductible with 100% of everything covered after that, and no referrals required for specialists, seems like an incredible bargain.

Yeah, I did the Obamacare thing too. Unbelievable. And nothing like my Advantage plan, which is almost identical to my old employer's PPO plan, except for the cost. Like everyone else who complains about Advantage plans, you seem to think they're all HMO's. They are not, and that is my point.

My PPO Advantage plan does not require referrals and I can see any doctor I want. It just doesn't pay as much if I go out of network, and then the doctor is not limited to negotiated rates. But it also has an annual out-of-pocket limit, after which it picks up everything -- even out-of-network. Yes, the limit is high, but insurance is for disasters, not groceries. The high limit is still within my means, and until the disaster hits, I pocket $400/month.

It worked as expected with my wife's recent stroke. But it was a small stroke and we didn't need to go out of network. My plan documents say I'm adequately insured against a real crises, like cancer.

But, of course, it all depends on how honest the players are, regardless of what kind of insurance you have. I'm sure the insurance company will fight like a pitbull to get out of paying what they contracted to pay, and the doctors' crooked back office operations will bill crazy amounts for things they either didn't do or we didn't need -- just like they did with the stroke. Six month later, we're still getting bills. But that doesn't have a damned thing to do with the fact that we have Advantage PPO insurance.

Like I said -- every one's a crook, these days. Look no farther than your neighbor's new roof and your latest home insurance bill to see what I'm talking about. We're at the mercy of crooks, regardless of what we do, because moral behavior is no longer the standard in this country.

Which is why I see no reason to give the crooks one penny more than I have to, until the day when I need to.

[biker1]

Any concern about requiring or not requiring a referral is a bit of a mystery to me. The only provider I directly make appointments with is my PCP (annual visits to the dermatologist notwithstanding). If I have an issue, I talk it over with her and she provides the referral to a specialist. I look upon her as the conductor of my health care. Now, there can be issues of which provider is referred. I have Medicare with a Supplemental Plan so she can refer me to anyone who accepts Medicare but I am not trying to schedule visits to anyone without talking to her first.

Yeah, I did the Obamacare thing too. Unbelievable. And nothing like my Advantage plan, which is almost identical to my old employer's PPO plan, except for the cost. Like everyone else who complains about Advantage plans, you seem to think they're all HMO's. They are not, and that is my point.

My PPO Advantage plan does not require referrals and I can see any doctor I want. It just doesn't pay as much if I go out of network, and then the doctor is not limited to negotiated rates. But it also has an annual out-of-pocket limit, after which it picks up everything -- even out-of-network. Yes, the limit is high, but insurance is for disasters, not groceries. The high limit is still within my means, and until the disaster hits, I pocket $400/month.

It worked as expected with my wife's recent stroke. But it was a small stroke and we didn't need to go out of network. My plan documents say I'm adequately insured against a real crises, like cancer.

But, of course, it all depends on how honest the players are, regardless of what kind of insurance you have. I'm sure the insurance company will fight like a pitbull to get out of paying what they contracted to pay, and the doctors' crooked back office operations will bill crazy amounts for things they either didn't do or we didn't need -- just like they did with the stroke. Six month later, we're still getting bills. But that doesn't have a damned thing to do with the fact that we have Advantage PPO insurance.

Like I said -- every one's a crook, these days. Look no farther than your neighbor's new roof and your latest home insurance bill to see what I'm talking about. We're at the mercy of crooks, regardless of what we do, because moral behavior is no longer the standard in this country.

Which is why I see no reason to give the crooks one penny more than I have to, until the day when I need to.

[frostola]

I think it’s awful that Florida Blue is advertising in the paper (comparing their company to UHC) stating that they go to Moffitt. You have to read the small print that states these are the 2024 benefits. This is a time when people are shopping around for plans, very misleading.

[Arlington2]

The whole thing about needing a referral is a bit of a mystery to me. The only provider I directly make appointments with is my PCP (annual visits to the dermatologist notwithstanding). If I have an issue, I talk it over with her and she provides the referral to a specialist. I look upon her as the conductor of my health care. Now, there can be issues of which provider is referred. I have Medicare with a Supplemental Plan so she can refer me to anyone who accepts Medicare but I am not trying to schedule visits to anyone without talking to her first.

I agree 100% with this comment. In fact I would not know what specialist to go to without my primary's recommendation. I have total confidence in my primary. If you don't trust your primary it is time to find a new one.

[nantasket]

Village’s Health is accepting Advantage plans from UHC, Humana, and Florida Blue

[JoannMH]

I worked for Humana and always thought it was interesting (and sad) that the CEO of the company made millions. I do not fault CEO’s making money but I was dealing with members whose care was being denied. And the CEO had no money in the game. He was just a paid (well paid) employee too. It is a business and they are in it for profit.

[rustyp]

If you saw the ad in The Daily Sun, on 10/16, by Florida Blue, comparing Advantage plans, be very careful, as it is comparing their 2024 plan. I have found out that Florida Blue has chosen not to renew their contract with Moffitt for 2025. Apparently Moffitt wanted to renew, but Florida Blue didn’t.

It seems pretty deceptive, as the ad came out one day into the enrollment period, but in smaller print states that it is comparing 2024 plans.

What is with the infatuation of Moffit ? Can someone provide the statistics of success over other institutions. Better yet when I reach the point of needing such an institution over another what is the percent of survival and for how long ? You all act like these institutions don't talk to each other and one has the privilege of holding the golden wand.

[Blueblaze]

Any concern about requiring or not requiring a referral is a bit of a mystery to me. The only provider I directly make appointments with is my PCP (annual visits to the dermatologist notwithstanding). If I have an issue, I talk it over with her and she provides the referral to a specialist. I look upon her as the conductor of my health care. Now, there can be issues of which provider is referred. I have Medicare with a Supplemental Plan so she can refer me to anyone who accepts Medicare but I am not trying to schedule visits to anyone without talking to her first.

Well, that's an easy one to answer. I didn't need to ask my PCP's permission (or route him $300 of my insurer's money) when I needed to see a urologist for a prostate problem that I knew the PCP could do nothing about. Heck, my PCP refuses to even do prostate exams, or for that matter, the skin cancer screening that I've had to pay a dermatologist for every year since I moved to Florida. Would you waste time scheduling your PCP if you suddenly noticed a mole turn threatening, if you didn't have to? I wouldn't.

Two years, ago, I was due for my 5 year treadmill stress test, that my Texas doctor used to do in his office, as part of my physical, when it was due. Here, I had to pay a cardiologist. So I certainly would not waste time talking to my primary if I thought I actually had a heart problem. And I certainly didn't waste time consulting my PCP before I saw a podiatrist for my plantar faciistus last year.

Referrals are generally a complete waste of time and money, but if I want one, I'm free to get one with my PPO. It's just my call instead of the doctor.

[Dusty_Star]

Traditional Medicare and medigap programs have zero coverage outside the U.S. UHC advantage provides worldwide coverage.


Completely untrue. Please check your facts. I'll give you a hint: It depends on which medigap plan you choose.

[KathyW]

What is with the infatuation of Moffit ? Can someone provide the statistics of success over other institutions. Better yet when I reach the point of needing such an institution over another what is the percent of survival and for how long ? You all act like these institutions don't talk to each other and one has the privilege of holding the golden wand.

Moffitt is one of the top ten Cancer Centers in the U.S. The head of Moffitt was the #2 man at MD Anderson (which is rated #1). If I had cancer, I would want the best. Look at the rankings for Florida Cancer Specialists. (Use to be below the 200s).

[KathyW]

What is with the infatuation of Moffit ? Can someone provide the statistics of success over other institutions. Better yet when I reach the point of needing such an institution over another what is the percent of survival and for how long ? You all act like these institutions don't talk to each other and one has the privilege of holding the golden wand.

Do a search on MA plans be Supplements on this site - a lot of members who are doctors said their offices had several employees at their medical practice that only "argued with MA plans...".
Ask your specialists what they think of MA plans.

[biker1]

Dermatologist are different, as I already indicated. Once you have a relationship with a specialist for ongoing care you certainly don’t need to go through your PCP. I assumed this was fairly obvious. The only other piece of information you have communicated is that you need to find a better PCP. Also, all of my interactions with my PCP do not involve a $300 office visit as I have asked her about issues over their portal and received advice on who to see. I am pretty sure my PCP know more about health care than I do and it would be stupid not to take advantage of her knowledge.

Well, that's an easy one to answer. I didn't need to ask my PCP's permission (or route him $300 of my insurer's money) when I needed to see a urologist for a prostate problem that I knew the PCP could do nothing about. Heck, my PCP refuses to even do prostate exams, or for that matter, the skin cancer screening that I've had to pay a dermatologist for every year since I moved to Florida. Would you waste time scheduling your PCP if you suddenly noticed a mole turn threatening, if you didn't have to? I wouldn't.

Two years, ago, I was due for my 5 year treadmill stress test, that my Texas doctor used to do in his office, as part of my physical, when it was due. Here, I had to pay a cardiologist. So I certainly would not waste time talking to my primary if I thought I actually had a heart problem. And I certainly didn't waste time consulting my PCP before I saw a podiatrist for my plantar faciistus last year.

Referrals are generally a complete waste of time and money, but if I want one, I'm free to get one with my PPO. It's just my call instead of the doctor.

[Arlington2]

Moffitt is one of the top ten Cancer Centers in the U.S. The head of Moffitt was the #2 man at MD Anderson (which is rated #1). If I had cancer, I would want the best. Look at the rankings for Florida Cancer Specialists. (Use to be below the 200s).

Good luck getting an appointment with the head of Moffitt. You will instead get a staff doctor. Who knows what their credentials are.

[frostola]

I recently had surgery at Moffitt, when I booked my appointment I had no idea which doctor I was going to have an appointment with. When we arrived I was shocked to learn my doctor was the head of the department. When I asked my PCP if she personally referred me to this doctor she replied “no, I just referred you to Moffitt”.

[Plinker]

Good luck getting an appointment with the head of Moffitt. You will instead get a staff doctor. Who knows what their credentials are.

If you go to Moffitt’s website you will find the credentials of their staff. In addition to being board certified, many have a PhD and their research has been published. I have a relative in The Villages who was diagnosed with cancer and I went with her for every appointment including treatment.
Impressive is a gross understatement of the facility and their staff.
Your statements are false and baseless.

[MX rider]

If you go to Moffitt’s website you will find the credentials of their staff. In addition to being board certified, many have a PhD and their research has been published. I have a relative in The Villages who was diagnosed with cancer and I went with her for every appointment including treatment.
Impressive is a gross understatement of the facility and their staff.
Your statements are false and baseless.

Moffitt is very good. But so is Advent Health Cancer Center in Orlando, top 4% nationally. They're in our UHC network, so we feel like we have a great place to go if we ever need it.

[mrf6969]

There is ABSOLUTLEY NOTHING more important than one's health. For us we choose when we went on Medicare the supplement over Med Advantage. By comparison to friends and what doctors tell us, we hear we are very healthy. Sometimes we wonder if we are crazy paying over $400.00 a month for the supplement plan. We also hear about people that are healthy one day and then have a major health issue the next. None of us know what is around the corner when it comes to our health. We all have friends and neighbors and family that are blindsided by a serious all the sudden health issue.
For us it was not worth the gamble to depend on the Med Advantage plan deficiencies. So, for us, our health was not worth gambling on.

[MX rider]

There is ABSOLUTLEY NOTHING more important than one's health. For us we choose when we went on Medicare the supplement over Med Advantage. By comparison to friends and what doctors tell us, we hear we are very healthy. Sometimes we wonder if we are crazy paying over $400.00 a month for the supplement plan. We also hear about people that are healthy one day and then have a major health issue the next. None of us know what is around the corner when it comes to our health. We all have friends and neighbors and family that are blindsided by a serious all the sudden health issue.
For us it was not worth the gamble to depend on the Med Advantage plan deficiencies. So, for us, our health was not worth gambling on.

Yep. It's a very important personal decision for sure. But some on here act like if you're on an MA plan and you get sick, you'll get inferior treatment. And that's just not the case. Our plan has a very large network with many good providers. We know people on the plan with major health issues and they were happy with their treatment.

It really just comes down to what works best for us and what makes us comfortable with or choice.

[Rainger99]

This is an email that I received from Moffitt.

Unfortunately we are out of network with all UHC Medicare advantage plans.
Below is the list of in-network Medicare advantage plans that we bill be accepting for 2025.

Aetna Medicare Advantage HMO/PPO
Florida Complete Care HMOSNP
Health First Medicare Advantage HMO/PPO
Humana Medicare Advantage HMO/PPO

[MSGirl]

Why anybody would go with an advantage plan is beyond me. They suck you in saying everything is free and covered until you need the service then it’s not. Hospitals now aren’t accepting advantage plans around the country, advantage plan insurance companies refuse almost 70% of the medical procedures that you dr wants you to have, whereas, Medicare has no requirement of getting a procedure approved or not, but it’s the big way that insurance companies save money. Advantage plan problems have been raised to congress to get them fixed. Supplements are the only way to go even if it costs a couple hundred a month extra.

Not all is necessarily true. UHC Medicare advantage has a plan where you can go anywhere in the country that accepts Medicare and UHC. I’ve used it. True we don’t pay a fee every month. We have copays to pay up to a certain amount. We pay at the back end as we need the services. With my plan I don’t need pre-approval as long as the dr takes Medicare. Supplements you pay at the front end and as you age, your monthly premiums increase. It’s a good plan. But there are folks who cannot afford the $175 Medicare B plus the $200+ per month for the supplement. Then there are the Part D prescriptions. So in essence you pay at the front end with Traditional Medicare and back end with Advantage plans.

[MX rider]

Not all is necessarily true. UHC Medicare advantage has a plan where you can go anywhere in the country that accepts Medicare and UHC. I’ve used it. True we don’t pay a fee every month. We have copays to pay up to a certain amount. We pay at the back end as we need the services. With my plan I don’t need pre-approval as long as the dr takes Medicare. Supplements you pay at the front end and as you age, your monthly premiums increase. It’s a good plan. But there are folks who cannot afford the $175 Medicare B plus the $200+ per month for the supplement. Then there are the Part D prescriptions. So in essence you pay at the front end with Traditional Medicare and back end with Advantage plans.

Very well said!
That poster is just another uninformed, keyboard medicare expert. Many people on here really know very little about actual MA plans, and especially UHC. You should only comment on what you actually know., not on what you think you know.

[KatieRN]

In my experience with my mother and now neighbors who are aging, those with Advantage plans may be OK with doctors but it's almost impossible to get into quality skilled nursing if you need that. My mother had Humana PPO and we had no issues until she began to be hospitalized more her last couple years and would need skilled nursing. Humana would approve only 2 places and they were the worst. It was an absolute nightmare. This is the case with my neighbors also. I know of 3 cases in which they were given very limited choices for skilled nursing with an Advantage plan. When we needed skilled nursing for my husband and they knew we had a supplement plant, all options were given immediately.

I agree with you. I am a nurse and worked the last couple of years in case management. im the one who helps place people in nursing homes. i cant tell you the number of times i had to send the sweetest and nicest patients to an absolute crap hole of a nursing home. All because of the crummy Medicare advantage plan they had. Yes Humana was one of the worst. I would never have an advantage plan based on my experience with them.

[Rainger99]

I agree with you. I am a nurse and worked the last couple of years in case management. im the one who helps place people in nursing homes. i cant tell you the number of times i had to send the sweetest and nicest patients to an absolute crap hole of a nursing home. All because of the crummy Medicare advantage plan they had. Yes Humana was one of the worst. I would never have an advantage plan based on my experience with them.bv

I thought Medicare didn’t pay for nursing homes.

And if they do, what are the nursing homes that advantage pays for if you live in the villages?

And what is the closest decent nursing home that we could get with original Medicare?

[MichaelAllsup]

Humana has a new PPO option that's available in The Villages Health. Moffitt is in-network plus there is no Rx deductible and only $4900 max-out-of-pocket. I work for Humana and will be conducting seminars every Friday untill December 6th, minus Nov 29th, at 3pm at The Villages Health Creekside.

[gmdds]

Not all is necessarily true. UHC Medicare advantage has a plan where you can go anywhere in the country that accepts Medicare and UHC. I’ve used it. True we don’t pay a fee every month. We have copays to pay up to a certain amount. We pay at the back end as we need the services. With my plan I don’t need pre-approval as long as the dr takes Medicare. Supplements you pay at the front end and as you age, your monthly premiums increase. It’s a good plan. But there are folks who cannot afford the $175 Medicare B plus the $200+ per month for the supplement. Then there are the Part D prescriptions. So in essence you pay at the front end with Traditional Medicare and back end with Advantage plans.

Very well summarized.

[Mrprez]

Humana has a new PPO option that's available in The Villages Health. Moffitt is in-network plus there is no Rx deductible and only $4900 max-out-of-pocket. I work for Humana and will be conducting seminars every Friday untill December 6th, minus Nov 29th, at 3pm at The Villages Health Creekside.

I looked at that plan but when I add my Villages Health doctor it doesn’t show her in network. Her name is Lauren Hana, can you check?

[Rainger99]

Humana has a new PPO option that's available in The Villages Health. Moffitt is in-network plus there is no Rx deductible and only $4900 max-out-of-pocket. I work for Humana and will be conducting seminars every Friday untill December 6th, minus Nov 29th, at 3pm at The Villages Health Creekside.

The Villages Health Creekside
1050 Old Camp Rd., Bldg. 100
The Villages, FL 32162

[MichaelAllsup]

I looked at that plan but when I add my Villages Health doctor it doesn’t show her in network. Her name is Lauren Hana, can you check?
The PPO plan we have available at TVH is the H5216-074. The online physician finder tool doesn't show the TVH doctors for the Medicare PPO network as the other plans are not available there, but I can assure you that plan has all TVH doctors in-network. I will be going over plan benefits every Friday at 3pm at TVH Creekside. 1050 Old Camp Rd

[herbaru]

If you saw the ad in The Daily Sun, on 10/16, by Florida Blue, comparing Advantage plans, be very careful, as it is comparing their 2024 plan. I have found out that Florida Blue has chosen not to renew their contract with Moffitt for 2025. Apparently Moffitt wanted to renew, but Florida Blue didn’t.

It seems pretty deceptive, as the ad came out one day into the enrollment period, but in smaller print states that it is comparing 2024 plans.

Gmdds, I went to Moffitts website when you first posted this and it did say as of January 2025 they will no longer be in network with Florida Blue but I just checked again and that line has been removed.
As of 11/4/24 this is from Moffitts website Medicare Coverage Cancer | Moffitt (https://www.moffitt.org/patient-family/insurance-financial-information/medicare-coverage/)

The Moffitt Cancer Center and Moffitt Medical Group are contracted, participating providers for Florida Blue's Medicare HMO and PPO plans. Moffitt is not in-network with Blue Cross Blue Shield's Medicare Preferred HMO plan.
Moffitt Cancer Center is not contracted or participating with "Advantage 65", which is a Medicare Select supplement. Patients with Advantage 65 can come to Moffitt with their Original Medicare primary insurance but their Advantage 65 supplement will not pay its supplemental portion. Patients can call BCBS to switch to a traditional Medicare supplement (BCBS uses the name CompCoverage).

[RICH1]

We personally don't "crapshook" anything and are very aware with aging, health becomes more tenuous and not better. $400. a month is $4,800. a year and do you realize one tiny little medical issue can chew that savings up and spit it out very quickly? Penny wise, pound foolish but people need to choose what makes them happy.
Exactly .... My Supplement is an " F" plan ... it's in the cards that we will get sick.

[Bitsee]

Well said...It all boils down to how much do you value your life and peace of mind ?

There is positively nothing for free in this life and you will definitely pay if you discover a spot on your lung , God forbide , or something similar...

I compare those DIS-Advantage plans out there like the infamous roofing scams we are all aware of here in Florida...Free for now until the insurance company says otherwise.